Melissa Fossell

As a Director of Commercial Banking at FNBO, Melissa supports businesses in the Sioux Falls area of South Dakota. She works directly with business owners and key executives to identify areas of opportunity and provide banking support through a full range of financial solutions. She loves to watch her community grow as she helps businesses rebuild and vitalize the local economy.


Melissa’s professional history is rich with banking experience, particularly roles within commercial banking. Prior to joining FNBO, she worked as a Vice President and Business Banker for a major financial services organization, where she supported commercial enterprises with lending solutions. Her work at FNBO continues that trend as she supports area businesses in achieving growth initiatives.

Melissa holds both a Bachelor of Science and a Master of Science, earned from South Dakota State University, where she remains active serving as the Sioux Empire Staters Alumni Association Vice President.


Melissa fills her spare time with many activities and is a strong supporter of area youth. She serves as a youth coach and is active with Junior Achievement as well as the United Way and Compass Center.

She relaxes through yoga, running, hiking and supporting the sports pursuits of her children. Melissa is also an avid SDSU Jackrabbits fan and spends game days cheering on her favorite teams.

"Watching the community thrive by businesses and banks working together is rewarding for all."